HAfeez حافِظ

#Madrid # Procurement & supply chain management.

[HAfeez حافِظ @2ic_col]

@Gomda_Hiya @Aysho_ Bukhari no. 186

The Prophet said: “A woman is not to travel except with a mahram. A man is not to enter the company of a woman unless her mahram is with her.” A man said, “O Messenger of Allah! I wanted to out with the expedition of so-and-so, but my wife wants to perform Hajj

[HAfeez حافِظ @2ic_col]

@utd_mayor_ @Adikastakes lol. But the man was there though. So your argument doesn’t stand. Cheers 🥂

[HAfeez حافِظ @2ic_col]

@utd_mayor_ @Adikastakes Masa the first frame is real

[HAfeez حافِظ @2ic_col]

@obiMpenaAustine You’re indeed credible

[HAfeez حافِظ @2ic_col]

@odekro @pyboamah The bill is about what please?

[🇬🇭 Black Stars @GhanaBlackstars]

🤩 Some things never change. Baby Jet @ASAMOAH_GYAN3 bringing the vibes.🕺🏽

#BlackStars | #FIFAWorldCup

[HAfeez حافِظ @2ic_col]

@kwakuasanteb Charley enfa ooo🤣

[Fox News @FoxNews]

BREAKING: Elon Musk has become the world's first trillionaire.

After SpaceX raised a record $75 billion in its IPO, Musk’s net worth shot up to top $1.1 trillion when the stock began trading Friday, putting him in an economic class of his own.

Combined with his holdings in electric vehicle maker Tesla, as well as other investments and assets, Musk's net worth is now estimated at about $1.1 trillion.

Musk's stake in the rocket and satellite company alone is now estimated at a staggering $690 billion, but it's also a life-changing moment for thousands of workers at the company who hold equity.

Investors who watched Musk help turn Tesla into an automotive giant are now betting he can do the same in space and artificial intelligence, as SpaceX launches the largest IPO in history.

[GoodNews Hub @_Achetypal]

God's plan for sex

[Abkr Sadiq @abs_uiux]

You no longer need a designer to get your wedding invitation card just use this prompt to get it as you want.

@ChatGPTapp

How To Use The Prompt:
1. Open the Chatgpt App
2. Upload your image
3. Copy & Paste the prompt below 👇

[Fabrizio Romano @FabrizioRomano]

🚨💣 BREAKING: Éderson to Manchester United, here we go!

Deal done with Atalanta for €45m package with add-ons included, agreement now in place.

Medical and formal steps to follow but deal in place.

Éderson will sign a four year deal plus option, as @TheAthleticFC reports.

[Seth Doe Esq @seth_doe22]

HOW TO TRANSFORM YOUR SOLE PROPRIETORSHIP INTO A PRIVATE COMPANY IN GHANA; THE FULL LEGAL PROCESS.

Many Ghanaian businesses start as:
• Business names
• Sole proprietorships
• “Enterprise” businesses

At the beginning, that structure is fine.
But once your business starts growing, you eventually need:

• A proper company structure
• Regulatory compliance
• Tax registrations
• Corporate banking
• Industry certifications
• Investor readiness

This is how lawyers usually help businesses legally transition from a sole proprietorship into a fully incorporated private company limited by shares in Ghana.

STEP 1; REVIEW THE EXISTING BUSINESS
The lawyers first examine:
• The current business registration
• Nature of business activities
• Existing debts or liabilities
• Existing contracts
• Tax compliance status
• Industry regulations affecting the business

This determines the most suitable company structure.

STEP 2; INCORPORATE THE NEW PRIVATE COMPANY
The lawyers then:
• Conduct a company name search
• Reserve the company name
• Draft the company constitution
• Determine shareholders and directors
• Structure the shares properly
• File incorporation documents with the Registrar of Companies
• Register beneficial ownership information

Once completed, the company becomes a separate legal entity from the owner.

STEP 3; OBTAIN THE COMPANY DOCUMENTS
After incorporation, the company receives:
• Certificate of Incorporation
• Certificate to Commence Business
• Company Constitution
• Company Regulations
• Company TIN
These documents become necessary for:
• Banking
• Contracts
• Tenders
• Regulatory approvals
• Investor transactions

STEP 4; ACTIVATE THE COMPANY’S TAX STATUS
The lawyers then assist with:
• Activation of the company TIN
• Ghana Revenue Authority registration
• VAT registration where required
This stage is critical because many companies are registered but not fully tax compliant.

STEP 5; REGISTER WITH SSNIT
If the company will employ workers, the lawyers assist with:
• SSNIT employer registration
• Employee contribution setup
• Compliance documentation

Many institutions now request SSNIT clearance certificates before awarding contracts.

STEP 6; OBTAIN BUSINESS OPERATING PERMITS
The company must obtain:
• Municipal or Assembly business operating permits
• Fire certificates where required
• Environmental permits where applicable
This depends on the business location and industry.

STEP 7; OBTAIN INDUSTRY-SPECIFIC LICENSES OR CERTIFICATIONS

Depending on the business sector, lawyers may assist with:
• FDA approvals
• Petroleum Commission licensing
• Minerals Commission licensing
• Tourism Authority licensing
• FinTech approvals
• Import/export certifications
• Professional practice licenses
• Construction permits and certifications

This is where many businesses face legal problems because they operate without the required sector approvals.

STEP 8; TRANSFER THE OLD BUSINESS INTO THE NEW COMPANY

This is one of the most important legal steps.
The lawyers may prepare:
• Asset transfer agreements
• Assignment of contracts
• Intellectual property transfers
• Employment transition documents

Without this stage, many people incorporate companies but still legally operate as individuals.

STEP 9; OPEN CORPORATE BANK ACCOUNTS
The lawyers then assist the company to prepare:
• Board resolutions
• Corporate account documents
• Compliance documents requested by banks
The business now begins operating fully as a company instead of as an individual.

STEP 10; CORPORATE GOVERNANCE AND COMPLIANCE
Lawyers usually continue assisting with:
• Annual filings
• Corporate secretarial services
• Board resolutions
• Share transfers
• Regulatory compliance

The reality is simple:
A sole proprietorship may help you start a business.
But a properly incorporated and compliant private company helps you grow it.

[Emirates FA Cup @EmiratesFACup]

We have the answer 👀

#EmiratesFACup

[Manchester City @ManCity]

The definition of aura.

[Manchester City @ManCity]

Who was Pep talking to? 😆

[𝕏 Ghana 🇬🇭 @xghana_]

This is the best explanation on Tier 1, Tier 2 and Tier 3 pension scheme

[Seth Doe Esq @seth_doe22]

WHAT A LEGAL RETAINER REALLY MEANS FOR A BUSINESS IN GHANA

Many businesses only contact lawyers when there is already a serious problem:
• A lawsuit has started
• A contract has been breached
• A regulator has intervened
• Money has been lost

That approach is often costly.

One of the most important but misunderstood legal arrangements in business is the legal retainer.

WHAT IS A LEGAL RETAINER?

A legal retainer is an arrangement where a business engages a lawyer or law firm on an ongoing basis to provide legal services when needed.

Instead of hiring lawyers only during emergencies, the business maintains continuous access to legal advice and support.

The arrangement may involve:
• Monthly or annual fees
• Contract review
• Compliance support
• Legal advisory services
• Priority legal assistance

A LAWYER ON RETAINER HELPS PREVENT PROBLEMS BEFORE THEY OCCUR

Many commercial disputes arise because businesses operate without proper legal guidance.

A lawyer on retainer helps a business:
• Review contracts before signing
• Identify legal risks early
• Ensure regulatory compliance
• Structure transactions properly
• Reduce exposure to litigation

Good legal advice is often preventative.

CONTRACT REVIEW IS CRITICALLY IMPORTANT

Many businesses sign agreements without understanding:
• Liability clauses
• Indemnities
• Termination rights
• Payment obligations
• Dispute resolution clauses

A lawyer on retainer reviews these issues before execution.

That can prevent major financial and legal exposure later.

A RETAINER LAWYER ALSO HELPS WITH COMPLIANCE AND EMPLOYMENT MATTERS

Businesses in Ghana face ongoing legal obligations involving:
• Corporate filings
• Employment law
• Licensing requirements
• Regulatory compliance

A lawyer on retainer assists with:
• Employment contracts
• HR policies
• Lawful termination procedures
• Regulatory guidance

This helps businesses avoid avoidable disputes and penalties.

A RETAINER PROVIDES SPEED, CONTINUITY, AND ACCESS

When a business already has retained counsel:
• Legal advice is faster
• Emergencies are handled more efficiently
• The lawyer already understands the business and its operations

That continuity is commercially valuable.

RETAINERS ARE NOT ONLY FOR LARGE COMPANIES

Small and medium-sized businesses often need legal guidance the most because they frequently operate without internal legal departments.

Early legal advice can prevent serious operational and financial problems.

A good business does not wait for litigation before involving lawyers.

In modern commercial practice, a lawyer on retainer is not merely for disputes.

The lawyer becomes part of the business’s risk-management and decision-making structure.

[Joseph Ackah-Blay @BlayAckah]

An Accra High Court was recently presented with the question of whether a betting company can be sued with the aim of recovering funds if a company’s employee steals the company's mobile money funds and gambles it away on a betting site using the corporate merchant number to register.

This is the case of Gafat Consult Limited v Mobile Sport (MSport) & Benjamin Boateng, decided on 19th March 2026. Gafat Consult is an IT and mobile money vending company. It sent one of its employees, Benjamin Boateng, to the Ashanti Region to buy gold on its behalf.

Boateng was accused of taking GHS 400,000 sitting in Gafat's MTN Mobile Money Merchant account and placing it all on MSport's betting platform. To do this, he registered on MSport using Gafat's corporate merchant SIM, not his own personal number. MSport let him through.

Gafat went after Boateng and Msport on the basis that MSport had breached its own platform rules and the Gaming Commission's regulations by allowing a company merchant number to slip through its sign-up process.

MSport replied with two arguments. One, it had done its KYC and verified Boateng's identity, sent him an OTP, he entered it correctly, all standard procedure.

Secondly, the actual deposits were processed by a third-party mobile money platform outside MSport's control, so whatever went wrong over there was not MSport's problem. The court rejected both arguments.

This was mainly because of Msports own witness. The operations manager admitted under cross-examination that MSport's platform rules require a personal phone number for registration, that a company number cannot be used, and most fatally that their system was configured to tell the difference between a personal and a corporate number.

The court reasoned that if the system is supposed to catch corporate numbers and it missed one, that is MSport’s failure, not the customer's. The court also caught an inconsistency between two of MSport's own documents, one claimed the mobile number had been verified as Boateng's personal detail, the other, a letter to the Ghana Police, listed everything that had been verified and quietly left the number out.

On the third-party argument, MSport's representative never actually testified about it at trial and it only remained in the pleadings. The court reminded everyone of the basic rule: pleadings are not evidence. You cannot plead a fact and then sit on it. If you do not lead evidence, that fact does nothing for you.

There was also the matter of the Gaming Commission's own findings, tendered in evidence. The Commission noted that to register a merchant SIM, one must be a director or secretary of the company it belongs to. Boateng was neither. A proper verification would have surfaced that problem and shut the registration down before a single cedi moved.

On the money, Gafat claimed GHS 400,000 but could not clearly trace the full amount to that specific merchant number from its own evidence. What saved the day was MSport's own admission in its letter to the Ghana Police that GHS 364,847 had been credited to Boateng's account from that number. Since what a party admits does not need to be proved, the court pegged the award there.

MSport was ordered to pay GHS 364,847, interest running from August 2022, and costs of GHS 40,000.

[ℤ𝕖𝕖𝕫𝕙𝕦! @zee_zhu_]

1. If someone helps you once, when you need help again it is not right to go back to them.

2. When you start making money, you'll feel the urge to help everybody. Fight that urge with all your strength.

3. When you visit people, don’t open their fridge, kitchen or bedroom.

4. ⁠When someone posts themselves enjoying or make a big purchase, it is disrespectful to ask them for money at that time

5. Never ask a couple who don’t have kids when they plan to have one. Use your head.

6. ⁠When you randomly bump into someone eating and they invite you to join them, decline.

7. Keep it private if it's making you happy or making you money

[HAfeez حافِظ @2ic_col]

@owusu_agyabeng Asempa Abena Takyi.
She’s always on time bro.

[HAfeez حافِظ @2ic_col]

@Newman_Shedi @owusu_agyabeng I see 😂